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You don't have an emergency fund Life doesn't always go as planned.You could lose your job, have a medical emergency or deal with a car breaking down. If you're not prioritizing your emergency fund, you're not saving enough.Investing is one of the most effective ways to build wealth, and contrary to popular belief, you don't need a lot of money to get started.

If you're more interested in hefting a hammer, look into Habitat for Humanity.

Once you've paid off your debt, you can start building a more complete rainy day fund to cover the expert-recommended three to six months of living expenses.

Before you go, do your research to make sure it's something that would actually interest you and your date.

The longer you put off planning for it, the farther behind you'll fall.

The easiest way to start is to enroll in your employer's 401(k) plan and take full advantage of any company match, which is essentially free money.




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